| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITEDHEALTHCARE INSURANCE COMPANY | $4K | $42K | $46K | 5.76% |
| INSURANCE OFFICE OF AMERICA3 Filed as: INSURANCE OFFICE OF AMERICA INC. | 1855 WEST STATE ROAD 434 LONGWOOD, FL 32750 | UNITED OF OMAHA LIFE INSURANCE COMPANY | $7K | $2K | $8K | 19.22% |
| JILLIAN DOERFLER3 Filed as: JILLIAN M DOERFLER | 613 SELKIRK DRIVE WINTER PARK, FL 32792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $3K | $0 | $3K | 7.92% |
| ASSUREDPARTNERS3 Filed as: STEPHANIE J SHEPHERD | 392 CORAL BEACH CIRCLE CASSELBERRY, FL 32707 | CONTINENTAL AMERICAN INSURANCE COMPANY | $668 | $0 | $668 | 1.72% |
| THE PERRY GROUP INC3 Filed as: THE PERRY GROUP | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $633 | $0 | $633 | 1.63% |
| JULIANA GONZALES3 Filed as: JULIANA GONZALEZ | 206 AQUA WAY OVIEDO, FL 32765 | CONTINENTAL AMERICAN INSURANCE COMPANY | $385 | $0 | $385 | 0.99% |
| MELISSA CASTRO3 Filed as: MELISSA I CASTRO | 4954 SIESTA OAK LOOP WINTER PARK, FL 32792 | CONTINENTAL AMERICAN INSURANCE COMPANY | $353 | $0 | $353 | 0.91% |
| YVONNE PABON3 | 2841 CLIPPER COVE LANE KISSIMMEE, FL 34741 | CONTINENTAL AMERICAN INSURANCE COMPANY | $341 | $0 | $341 | 0.88% |
| STEVEN J PERRY3 Filed as: STEVEN PERRY AND MISC. AGENTS | 1650 SAND LAKE ROAD, SUITE 201D ORLANDO, FL 32809 | CONTINENTAL AMERICAN INSURANCE COMPANY | $279 | $0 | $279 | 0.72% |
| ROB VEST4 | 280 BLUE BEND ROAD ROCKY MOUNT, VA 24151 | PRE-PAID LEGAL SERVICES INC DBA LEGALSHIELD | $10K | $0 | $10K | 51.19% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 132 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 2 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 3 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 137 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $792K |
| Dental | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $792K |
| Vision | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $792K |
| Life insurance | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $44K |
| Short-term disability | UNITED OF OMAHA LIFE INSURANCE COMPANY | 140 | $44K |
| Prescription drug | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $792K |
| Other(4 contracts, 4 carriers) | UNITEDHEALTHCARE INSURANCE COMPANY | 208 | $894K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 208 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.